: You make your payments directly to the dealership rather than a separate financial institution.

: Often, the dealer will determine how much they are willing to lend you before showing you which cars on the lot fit that budget. The Pros: Why Some Choose BHPH How Does Buy Here Pay Here Work? [Learn to Get Great Deals]

Navigating "Buy Here Pay Here" Locations: Is It Right for You?

In a traditional car-buying scenario, the dealer sells you the car and then finds a third-party lender (like a bank) to finance the loan. At a BHPH location, the process is flipped:

: Instead of a rigorous credit check, these dealers typically focus on your proof of residency and steady income.